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David Michael Financial Services Limited is a family run practice which provides independent and  individually tailored financial advice and planning services to individuals and corporate clients.

We are committed to providing honest and professional advice. We always endeavour to put our client’s interests first and aim to run our business in line with the principles of treating customers fairly.


Mr David Bunyan DipPFS CeMAP: (Diploma in Financial Planning) (Certificate in Mortgage Advice and Practice)

David, our Managing Director, has been providing financial advice since 1986 and is committed to his continued professional development as an Independent Financial Adviser (IFA). He has completed the Chartered Insurance Institute Diploma in Financial Planning by examination.

He is a general practitioner IFA but his specialities are in the areas of retirement funding and income options including secured and unsecured and third way structures. He also advises clients and local solicitors on the use of trust arrangements within inheritance tax and other financial planning strategies.

David holds Specialist Retirement Options and Inheritance Tax Licences.

David also holds specialist advice Chartered Insurance Institute examinations in the following areas:

CF9 Pensions Simplification
J04 Pension Funding Options
J05 Pension income options
J02 Trusts


As independent financial advisers, we are able to recommend products and services from across the market and are not tied to any particular provider.

We operate an explicit charging structure.  We will provide you with a Service and Payment Agreement before we commence work.  This will set out the initial advice fee that we have agreed with you and what that fee includes.

If an ongoing service is agreed with you, then an ongoing fee will also be charged.

Fees will typically be charged as a fixed fee, an hourly rate, a percentage of funds invested or a combination of one or more of these.  Fees may either be paid directly by you or deducted from any plans that we arrange on your behalf.  We may receive commission payments for arranging some non-investment related financial products.

The FCA does not regulate trusts and some forms of inheritance tax planning.

The guidance and or advice contained within this website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.

Registered Office: 22 Oaklands Rd, Godley, Hyde, Cheshire, SK14 3DD Registered in England No: 5174381
David Michael Financial Services Limited is authorised and regulated by the Financial Conduct Authority under FRN no. 624987

Financial Ombudsman’s Service: